Abbey bank charges

[Amy]

Re: Abbey bank charges

Hi Amy
Can i send you the files now as requested
Thanks
Judy

Yes, of course you can.

Send them to Amy@legalbeagles.info

[judith]

Re: Abbey bank charges

Thanks Amy
Here goes........... more to follow
Thanks
Judy

[judith]

Re: Abbey bank charges

Hi Amy
I have uploaded them for you
Thanks
Judy

[WendyB]

Re: Abbey bank charges

deleted as i was talking round my hat

[judith]

Re: Abbey bank charges

Hi Wendy
Thanks,i know what you are saying and totally agree with you but i went back to court and thats what the judge ordered, WHAT CAN I SAY..........
Thanks
Judy

[Amy]

Re: Abbey bank charges

1. Have you had a read of the hardship threads yet? I think you should write a letter to Abbey and request that they review your claim as one of hardship. I'll help you with that once you have the bones of it. It's better if you write it and then we edit, or it looks like a template letter.

2. Your priority is your mortgage closely followed by your council tax. Can you get any help with benefits for these?

3. Do you have copies of the agreements for your credit cards - if so can you post those up too.

4. Do you have all your statements for your credit cards - if so, start reclaiming the charges on them. Even if it's not a lot of money it will reduce the balance for you. If you don't have the statements start by sending the SAR from the library.

5. Do you have PPI on any of these? If you do cancel it.

[WendyB]

Re: Abbey bank charges

No prob. I deleted my previous post as I thought it would just confuse matters. Various people are looking at this to come up with the best way forward.

keep your chin up!

Just a quick question - is there PPI (Payment Protection Insurance) on the credit cards?

[judith]

Re: Abbey bank charges

1. Have you had a read of the hardship threads yet? I think you should write a letter to Abbey and request that they review your claim as one of hardship. I'll help you with that once you have the bones of it. It's better if you write it and then we edit, or it looks like a template letter.

2. Your priority is your mortgage closely followed by your council tax. Can you get any help with benefits for these?

3. Do you have copies of the agreements for your credit cards - if so can you post those up too.

4. Do you have all your statements for your credit cards - if so, start reclaiming the charges on them. Even if it's not a lot of money it will reduce the balance for you. If you don't have the statements start by sending the SAR from the library.

5. Do you have PPI on any of these? If you do cancel it.

Thanks Amy
I fell so ill over all this crap just because i lost my job through no fault of my own.... who do i send this letter to at the abbey i dont think it will do any good but i will go with it all i want to do is stick my head in the ground , sorry to go on like this.
I cant start reclaiming credit card charges because i dont have the money to take it forward, i am even having to sell my processions just to eat i cant begin to tell you how bad this all is for me,but many many thanks for helping me
Thanks
Judy
------------------------------- merged -------------------------------

No prob. I deleted my previous post as I thought it would just confuse matters. Various people are looking at this to come up with the best way forward.

keep your chin up!

Just a quick question - is there PPI (Payment Protection Insurance) on the credit cards?

Many thanks wendy

[Amy]

Re: Abbey bank charges

We'll leave the credit cards to one side for the moment then and concentrate on Abbey.

It will do you some good, Abbey are paying out on grounds of hardship. So you need to write that letter as soon as possible before the mortgage gets out of hand.

Pick pieces out of all the other hardship threads and pull a letter together.

[WendyB]

Re: Abbey bank charges

Thanks Amy
I fell so ill over all this crap just because i lost my job through no fault of my own....

If you have PPi on the credit cards, does this cover you for unemployment? You could possibly get part of the balances paid off if it does.

[judith]

Re: Abbey bank charges

We'll leave the credit cards to one side for the moment then and concentrate on Abbey.

It will do you some good, Abbey are paying out on grounds of hardship. So you need to write that letter as soon as possible before the mortgage gets out of hand.

Pick pieces out of all the other hardship threads and pull a letter together.

Thanks Amy
Ok i will do a draft and send it over to you,i see on the hardship forums the name of RONAN COYLE comes up a lot, is he the guy that i need to write to and call up also what address do i send he documents to
Thanks
Judy

[Amy]

Re: Abbey bank charges

Yes, that's him.

Not sure of the address, but I'll find out. Let's get the letter done and posted up first.

[judith]

Re: Abbey bank charges

Dear Sir/Madam CASE NUMBER ???????? TOTAL ??????

I WAS AWARDED JUDGEMENT IN DEC/2007 AND EVENTUALLY WENT BACK TO COURT IN APRIL 2008 WHEN ABBEY WAS AWARDED A STAY DUE TO THE IMMINENT TEST CASE TO BE HEARD IN LONDON.
I DID TELL THE JUDGE THAT I WAS STRUGGLING FINANCIALLY BUT FELL ON DEAF EARS.
SINCE THEN THINGS HAVE BECOME INCREDIBLY BAD.
FIRST I LOST MY JOB ALSO BEING SO CLOSE TO RETIRING AGE AND HAVING A BAD BACK HISTORY I HAVE STRUGGLED TO GET WORK.
I AM 3 MONTHS IN ARREARS WITH MY MORTGAGE AND HAVEN'T BENN ABLE TO PAY MY COUNCIL TAX SINCE MAY. THE BAILIFFS ARE ALREADY PLANED TO VISIT ME THIS WEEK REGARDING MY COUNCIL TAX WHICH I AM UNABLE TO PAY
NONE OF MINE CREDIT CARDS HAVE BEEN PAID SINCE JULY AND I HAVE RECEIVED SEVERAL DEFAULT NOTICES AND HAVE BEEN THREATED WILL COURT ACTION I OWE 3 MONTHLY PAYMENTS PAYMENTS ON MY CAR WHICH I CANNOT PAY.
I AM STRUGGLING TO SURVIVE AND I AM ON ANTI DEPRESSANTS I DONT KNOW WHAT TO DO NEXT.
RECEIVING THE MONEY FROM THE ABBEY WOULD BE SUCH A HELP.
YOURS
FAITHFULLY

MRS Judith

PS.
PLEASE FIND ATTACHED COPYS OF VARIOUS DEMANDS ETC.

[TUTTSI]

Re: Abbey bank charges

Hi Judy

Here is my thread link http://www.legalbeagles.info/forums/...read.php?t=875

xx

[judith]

Re: Abbey bank charges

Hi Amy
Did you get the draft letter ???
Thanks
Judy